plaid

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The skill is explicitly a Plaid banking API integration. It specifically includes banking/payment features (Auth with account/routing numbers, "Setting up ACH transfers", ACH/account access, token exchange, and webhook handling). Plaid is a dedicated banking API used to enable bank connections and ACH operations — i.e., direct financial execution capability — not a generic tool. Therefore it meets the criteria for Direct Financial Execution.